Our life is full of surprises, sometimes they are not the most pleasant. Any of us may face the fact that a car will be stolen from him in broad daylight or there will be a fire in an apartment or house (and it’s not at all your fault, there are also neighbors), or natural phenomena with unprincipled arrogance will disrupt the usual course of things. There are a combination of circumstances beyond our control. It is from such cases that the insurance agent, or rather, the insurance issued with its help, can save us.
Who is this mysterious person who offers us his services when everything is so good with us, and you don’t always want to part with your money because of ghostly fears?
An insurance agent is a representative of an insurance company who is an intermediary between clients (people who want to receive insurance services) and an insurer (a company that provides insurance services and undertakes to pay a certain amount in case of an insured event). He has the right to enter into contracts on behalf of the company.
The insurance agent will help you choose the best type of insurance and competently arrange it. It will be he who will communicate with you on behalf of the insurance company throughout the duration of the contract.
Each insurance agent is a seller, a psychologist, an economist, and an analyst. And all in one!
Having a fairly broad authority, the insurance agent assumes complex responsibilities. Consider them.
The insurance agent must:
- Conclude and draw up contracts of both personal and property insurance, ensure their implementation, and also accept insurance premiums.
- To conduct an active search and identification of potential customers, as well as keep a record of potential objects of policyholders and insurance objects.
- To be able to give an adequate assessment of the value of the insurance object.
- Know the region and the demand for certain types of insurance services.
- To conduct meaningful reasoned conversations with regular and potential customers in order to conclude new agreements and renegotiate old ones.
- To be able to establish trusting relationships with customers , to know the peculiarities of their thinking and behavior motivation.
- Adequately assess the degree and criteria of risks when concluding contracts, taking into account age, state of health, gender, level of material wealth and other qualities that characterize the client.
- To be able to correctly calculate insurance premiums, draw up insurance documents and ensure their safety.
- To be able to promote the offer of the insurance company in the market of services, using the ongoing political and socio-economic processes in order to form a stable demand for the promoted insurance services.
- Provide customers with comprehensive information on all matters relating to insurance conditions.
- Throughout the term of the concluded contract, keep in touch with customers who have drawn up the contract for the provision of insurance services. Resolve all disputes, complaints, claims.
- To be able to identify the occurrence of an insured event according to the contract, correctly evaluate it and the size of insurance compensation payments, taking into account all the criteria.